Lower Down Payments
Longer Terms
Competitive Rates
SBA loans often require as little as 10% down, compared to the 20-30% down payments of conventional loans. This allows small businesses to preserve cash for operational needs.
SBA loan amortizations of up to 25 years are longer than conventional business loans, so monthly payments are often smaller. This can further improve cash flow and free up funds for other business priorities.
With both fixed and variable options, SBA loans often feature rates that are more favorable than conventional alternatives.
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